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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $144,654 | $92,766+55.9% | $82,763+74.8% | $134,545+7.5% |
| Participation rate | 44.4% | 75.2%-30.8pp | 72.6%-28.1pp | 81.2%-36.8pp |
| Annual return | -19.15% | 946.97%-966.1pp | 702.45%-721.6pp | 418.37%-437.5pp |
| Employer contribution / active EE | $974 | $3,273-70.2% | $3,008-67.6% | $4,742-79.5% |
| Participant deferral / active EE | $2,102 | $4,802-56.2% | $4,395-52.2% | $6,401-67.2% |
| Admin fee / account holder | $2,477 | $5,978-58.6% | $5,325-53.5% | $11,431-78.3% |